CIB vs. MUFG: Grupo Cibest vs. Mitsubishi UFJ Financial Stock Comparison

Company Profile

Grupo Cibest (CIB) and Mitsubishi UFJ Financial (MUFG) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both Grupo Cibest (CIB) and Mitsubishi UFJ Financial (MUFG) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Grupo Cibest (CIB) at 19.22% sits in the top ROE quartile, while Mitsubishi UFJ Financial (MUFG) at 9.46% is in the bottom quartile, showing a clear gap in returns on equity.

Mitsubishi UFJ Financial (MUFG) at 27.45% keeps about the industry-typical share of revenue as profit, while Grupo Cibest (CIB) at 17.57% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Grupo Cibest (CIB) in Banks and Mitsubishi UFJ Financial (MUFG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Mitsubishi UFJ Financial (MUFG) at 9.98% is around its peer norm for revenue growth, while Grupo Cibest (CIB) at 5.11% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Mitsubishi UFJ Financial (MUFG) at 33.15% sits in the top EPS growth quartile, while Grupo Cibest (CIB) at -38.49% falls below its industry range — a large difference in per-share earnings trajectories.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Grupo Cibest (CIB) in Banks and Mitsubishi UFJ Financial (MUFG) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Grupo Cibest (CIB) in Banks and Mitsubishi UFJ Financial (MUFG) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Grupo Cibest (CIB) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Mitsubishi UFJ Financial (MUFG) reports a yield of 406.81%, ranking against industry peers normally.

Both Grupo Cibest (CIB) at 31.29% and Mitsubishi UFJ Financial (MUFG) at 34.74% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Both Grupo Cibest (CIB) at 11.13 and Mitsubishi UFJ Financial (MUFG) at 13.71 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

P/S ratio is set aside for both Grupo Cibest (CIB) in Banks and Mitsubishi UFJ Financial (MUFG) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Grupo Cibest (CIB) at 0.00 is valued below its industry’s P/B ratio range against book, whereas Mitsubishi UFJ Financial (MUFG) at 1.64 carries an above-typical premium — a wide price-to-book gap between them.

Valuation Metrics